wayne said we don't have a comprehensive energy policy. gas prices affect my wallet. nothing is contained. my costs are not contained in the last four years and that is an indirect tax. >> exactly john layfield always say it about the energy policy. but wayne, here is the thing. higher gasoline prices and especially in california, all of that is affecting the middle class and not getting better. it is getting worse over the last several months. >> that's true . tracey mentioned something that is more outrageous. dodd-frank. and congress did not read the bill and have to pass it. this is a friend of mine who applied at a loan in a community bank and here was the response. the guy said here, the interest rate will be prime plus two percent and loan can be said. we will need current financial . finally saying. these terms will be subject to approved by the fdic. the banker is not approved the loan. fdic is the person approving the loan. that is outrageous. >> what is bringing up is the issue of regulation and regulatory involvement of the banking and that is affecting ou